CADECOM is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €455k and a net result of €91k. Equity is growing by ~34.9% per year across the filed fiscal years. Its solvency ranks better than 53% of 9864 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
21 d late
2022
60 d late
2021
58 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€455k▲ 17.5%
2023 · €387k
2021: €141k
2022: €264k
2023: €387k
2021 → 2024
Net result
€91k▼ 25.9%
2023 · €123k
2021: €136k
2022: €123k
2023: €123k
2021 → 2024
Total assets
€776k▲ 1.0%
2023 · €768k
2021: €742k
2022: €805k
2023: €768k
2021 → 2024
Solvency
58.6%▲ 8.2pp
2023 · 50.4%
2021: 19.0%
2022: 32.8%
2023: 50.4%
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€141k-€264k▲ 86.9%€387k▲ 46.7%€455k▲ 17.5%
Operating result€-3k-€-3k▼ 15.6%€-3k▼ 3.9%€-3k▲ 16.1%
Net result€136k-€123k▼ 9.9%€123k▲ 0.5%€91k▼ 25.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2024 against €3k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €776k
Fixed assets
€625k▲ 4.2%
Current assets
€151k▼ 10.3%
Equity and liabilities €776k
Equity
€455k▲ 17.5%
Debt
€321k▼ 15.7%
The debt ratio falls from 49.6% to 41.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
58.6%▲
2023 · 50.4%
ROE
20.1%▼
2023 · 31.8%
ROA
11.8%▼
2023 · 16.0%
Debt
€321k▼
2023 · €381k
Debt ≤ 1 year
€86k▲
2023 · €61k
Debt > 1 year
€235k▼
2023 · €320k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€768k€776k▲
Fixed assets21/28€600k€625k▲
Financial fixed assets28€600k€625k▲
Current assets29/58€168k€151k▼
Amounts receivable within one year40/41€130k€106k▼
Other amounts receivable41€130k€106k▼
Cash at bank and in hand54/58€38k€45k▲
Equity and liabilities
Total equity and liabilities10/49€768k€776k▲
Equity10/15€387k€455k▲
Contributions10/11€5k€5k=
Profit (loss) carried forward14€382k€450k▲
Amounts payable17/49€381k€321k▼
Amounts payable after more than one year17€320k€235k▼
Financial debts170/4€320k€235k▼
Amounts payable within one year42/48€61k€86k▲
Current portion of amounts payable after more than one year42€60k€60k=
Trade debts44-€9
Suppliers440/4-€9
Taxes, remuneration and social security45€550€4k▲
Taxes450/3€550€4k▲
Other amounts payable47/48€631€22k▲
Income statement
Code20232024
Other operating charges640/8€384€387▲
Gross operating margin9900€-3k€-2k▲
Operating profit (loss)9901€-3k€-3k▲
Financial income75/76B€130k€96k▼
Recurring financial income75€130k€96k▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€123k€91k▼
Profit (loss) for the period9904€123k€91k▼
Profit (loss) for the period to be appropriated9905€123k€91k▼
Appropriation of the result
Profit (loss) to be appropriated9906€382k€473k▲
Profit (loss) brought forward from the previous period14P€259k€382k▲
Profit to be distributed694/7-€24k
Return on contributions (dividend)694-€24k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €91k ▼25.9%
Net result drops to €91k, the lowest in the series.
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 60 days late
2022
31-12
Financial
Equity above €200kEq €264k ▲86.9%
2 profitable years in a row build equity to €264k.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, La Bruyère · 1 establishment unit since 2021
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Rue du Centre, Emines 55080 La BruyèreGround area
662 m²
Building footprint
95 m²
Volume, LiDAR
722 m³
Parcel 92036B0241/00G002, Wallonia · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CADECOM
since 20212.317.412.944
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92036B0241/00G002 | Wallonia | 662 m² | 1 · 95 m² | 9.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
pHd & C°
BE 0630.727.850
Hemiksem · Eq €455k
MBJ Invest
BE 1010.548.374
Wuustwezel · Eq €455k
SIMFIN
BE 0763.904.494
Welkenraedt · Eq €455k
BRALAKO
BE 0661.852.774
Oudsbergen · Eq €455k
MOVANOP
BE 0437.083.681
Deinze · Eq €455k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,663 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.